Mastercard, MetaMask Debut US Crypto Card in New York

Mastercard and MetaMask have officially rolled out a crypto spending card across the United States, bringing first-time availability to 49 states including New York. Consensys, MetaMask's parent company, announced on Thursday that the card is now generally available following initial pilot programs in 2024 and 2025. The launch marks one of the broadest expansions of a self-custodial crypto payment product in the US to date.

MetaMask Card Expands to 49 US States

The MetaMask Card is now accessible in 49 US states, with Vermont as the sole exception, according to a Consensys spokesperson. New York residents can use the card for the first time, a notable milestone given the state's historically strict crypto regulatory environment.

Built with regulated issuer Monavate (formerly Baanx) and Mastercard's global payments network, the card is issued by Cross River Bank, a US Federal Deposit Insurance Corporation (FDIC)-insured institution. It works at 150 million Mastercard merchant locations worldwide, online or in-store, and supports Apple Pay and Google Pay.

Beyond the US, the MetaMask Card already operates in Argentina, Brazil, Canada, European Economic Area countries, Mexico, Switzerland, and the United Kingdom. Consensys indicated that additional markets are planned for future expansion.

MetaMask shares our vision of empowering people to spend their crypto securely and seamlessly — anywhere Mastercard is accepted in the world.

— Sherri Haymond, Global Head of Digital Commercialization at Mastercard

What Makes the MetaMask Card Different From Other Crypto Cards?

Self-custody is the defining feature separating the MetaMask Card from most competing crypto payment products. Unlike conventional crypto cards that require users to pre-load funds into an exchange account, the MetaMask Card lets holders maintain full ownership of digital assets until the precise point of sale. Tokens remain in the user's own wallet rather than on a third-party platform.

The standard version ships as a virtual card by default. For those seeking a physical option, the MetaMask Metal Card costs $199 per year and includes 3% cashback on the first $10,000 spent each year, no foreign transaction fees, and higher spending and ATM withdrawal limits.

Mastercard's Growing Crypto Ambitions

The US rollout extends Mastercard's broadening crypto footprint. The payments giant first piloted a debit card with MetaMask in 2024, and this general launch signals growing confidence in the product after two years of international testing.

In August 2025, Mastercard deepened its partnership with Circle, the issuer of USDC and EURC stablecoins, enabling stablecoin settlement for acquirers in Eastern Europe, the Middle East, and Africa. That deal reflected the company's strategic push to bridge traditional payment rails with blockchain-based assets.

Our strategic goal is to integrate stablecoins into the financial mainstream by investing in the infrastructure, governance, and partnerships to support this exciting payment evolution from fiat to tokenized and programmable money.

— Dimitrios Dosis, Mastercard Executive

What This Means Going Forward

The MetaMask Card launch positions Mastercard at the forefront of real-world crypto spending infrastructure in the United States. By pairing self-custodial technology with an FDIC-insured issuer and a network spanning 150 million merchant locations, the product addresses persistent consumer concerns around security and usability.

New York's inclusion signals growing regulatory comfort with self-custodial payment solutions in one of America's toughest crypto jurisdictions. As Mastercard expands stablecoin settlement and crypto card availability globally, the broader payments industry may face mounting pressure to offer similar products.